Problem dan Solusi Pengembangan Perbankan Syariah Kontemporer di Indonesia

• Main Author: Subandi Subandi
• Format: Article
• Language: English
• Published: Institut Agama Islam Negeri Ponorogo 2012-05-01
• Series: Al-Tahrir
• Online Access: http://jurnal.stainponorogo.ac.id/index.php/tahrir/article/view/44

<p><em>Contemporary development of the national banking today is being a serious international spotlight. Since national economic crisis, </em><em>the national banking is often unable to compete with foreign banks in </em><em>Indonesia. On its symptoms, a national banking customers are coming </em><em>from an average of lower middle class. This condition was not even able </em><em>to raise the welfare of Indonesian people to be better life to just get out </em><em>of the shackles of ‘poverty’. Especially Islamic banking in Indonesia, </em><em>the beginning of its presence is expected to be the main solution to the </em><em>problem of poverty in this state, but it also can not do much. It refers to </em><em>data from Bank Indonesia, the Islamic banking business unit transactions in Indonesia in 2008 has increased to Rp. 24 trillion that is equivalent to</em><em> 1.8 percent. But in fact, it is just superficial, because it is basically only able to contribute at 2:98, when compared with conventional banking. The large gap that happened is caused by three main issues: the legality aspects, human resources aspects, and aspects of less innovative marketing strategies. To solve the problems needs some strategies namely; improving the quality of service and professionalism, products innovation, qualified human resources, etc.</em></p>